Mortgage Calculator: Loan Mate

**Mortgage Calculator + Schedule — the clearest way to plan, compare, and pay off a mortgage faster.**

Whether you're buying your first home, refinancing, or shaving years off an existing loan, Mortgage gives you a precise amortization schedule in seconds — with no signup, no internet connection, and no spreadsheet wrangling.

**Built for real numbers, real decisions**

Mortgage does the maths so you don't have to. Type any four of property value, principal, interest %, term, or monthly payment, and the fifth is calculated for you. Add HOA, insurance, property tax, and your own monthly expenses for a true total cost. Layer in extra payments, lump-sum prepayments, fixed payment caps, or step-up interest rates — every change updates the schedule instantly.

**What you get**

- **5-variable solver** — Property value, down payment, principal, interest rate, term, and monthly payment all stay in sync. Change one, the rest follow.
- **Full amortization schedule** — Every monthly payment for the life of the loan, with interest, principal, balance, and LTV in one scrollable table.
- **Annual, period & payment views** — Roll up by year, drill into a single year, or scrub through the entire payment timeline.
- **Variable & adjustable rates** — Model rate changes month-by-month for ARMs, teaser-rate periods, or interest-only windows.
- **Extra payments & prepayments** — Add a one-time lump sum or recurring extra each month and watch your payoff date jump forward.
- **Beautiful charts** — Interest vs. principal stacked over the term, balance curve, rate timeline, and a total-payments pie.
- **Expenses included** — Monthly HOA, secondary monthly expense, annual insurance, and annual property tax all roll into the true cost.
- **Unlimited saved scenarios** — Compare a 15-year vs. 30-year, your current loan vs. a refi, with or without points — keep them side-by-side on your device.
- **Privacy first** — Everything lives on your phone. No accounts, no servers, no tracking. Your numbers stay yours.

**Perfect for**

- First-time home buyers running the numbers before an offer
- Homeowners deciding whether to refinance or recast
- Anyone planning an early-payoff or biweekly-payment strategy
- Real-estate agents and lenders explaining options to clients
- Anyone who wants the math without the marketing

**Mortgage Premium**

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